23.9% APR
Representative (variable)
M&S Club Rewards
An even more rewarding way to shop
Subscribe to M&S Club Rewards for £10 a month to gain access to even more rewards. Exclusively available to M&S Credit Cardholders.
Credit is subject to status. M&S plc acts as a credit
broker not a lender
Get an extra £2 for every £100 you spend at M&S on top of the
Rewards points you earn already – just add Club Rewards to your M&S Credit Card for £10 a month.
Plus, you'll receive £120 in M&S vouchers throughout the year, giving you the cost of your 12-month subscription back.
Plus, you'll receive £120 in M&S vouchers throughout the year, giving you the cost of your 12-month subscription back.
The rewards keep on coming
We’ll send you the following benefits spread across the year
£100 M&S vouchers to spend on fashion, home and beauty
£20 M&S vouchers to spend on M&S Food favourites
32 hot drinks vouchers to use in M&S Cafés
Birthday treat - enjoy 10% off in clothing, home and beauty
Rewards Calculator
Calculate how much you'll get back each year to enjoy in M&S vouchers with a Club Rewards subscription2
Monthly spend at M&S
Online and in-store
Rewards Points: 0
Monthly spend elsewhere
(e.g. petrol, shopping, travelling)
Rewards Points: 0
Voucher amount
Per year
£0
Total Rewards Points: 0
With Club Rewards you'll get 2 extra Rewards Points per £1 spent at M&S on top of the Rewards Points you earn already. M&S Rewards Points cannot be earned on balance transfers, cash advances/withdrawals, interest charges, M&S Travel Money, foreign currency or M&S vouchers.
NOT AN EXISTING M&S CREDIT CARDHOLDER?
In just 3 rewarding steps you can become a Club Rewards member and benefit every time you shop!
1. Apply for an M&S Credit Card
2. Sign up for Club Rewards
3. Unlock exclusive benefits
How to shop straight away
If your application is accepted, we'll send temporary card details to you via email. We'll send your M&S Credit Card in the post but in the meantime, you'll be able to spend up to £500 online at marksandspencer.com or in any M&S store.
Terms & Conditions
Marks and Spencer plc, Waterside House, 35 North Wharf Road, London W2 1NW acts as a
credit broker and not a lender.
Authorised and regulated by the Financial Conduct Authority (Register no. 718711). Credit is provided
subject to status by Marks & Spencer Financial Services plc to UK residents aged 18 or over. We
receive a payment from Marks & Spencer Financial Services plc for introducing customers who apply
and are approved for credit. The payment is made to cover the costs we incur by offering credit products
to our customers and may therefore vary depending on the credit product. It will not affect the amount
you pay for credit.
M&S Club Rewards is a paid subscription exclusively available to M&S Credit Card customers. The M&S Credit Card and M&S Club Rewards membership are provided subject to separate T&Cs by Marks & Spencer Financial Services plc, Chester CH99 9FB. If you apply for Club Rewards at the same time as the Credit Card, you will need to first be approved for the Credit Card. Club Rewards is a subscription that can be ended at any time and will not damage your credit.
1As an M&S Credit Card customer, you earn one Rewards Point for every £1 spent in M&S. With M&S Club Rewards, you'll earn an extra two Rewards Points per £1 spent in M&S (a total of three Rewards Points per £1). This does not account for any incentive offer that includes a points boost. M&S Rewards Points can’t be earned on purchases of foreign currency (including M&S Travel Money), or M&S gift cards or vouchers.
2Not accounting for any incentive offer that includes a points boost.
Full Club Rewards T&Cs apply and can be viewed at bank.marksandspencer.com/pdf/ClubRewardsT&Cs.pdf.
